Free UK Salary Calculator 2026 | Take Home Pay PAYE

🇬🇧 UK Take-Home Pay Calculator 2026/27

Annual Gross Salary (£)

Tax Code

Student Loan Plan

Pension Contribution (%)

Pay Frequency

Gross Salary

Take-Home Pay

Income Tax

National Insurance

Student Loan

Effective Tax Rate

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Pension Contribution-

Personal Allowance-

Taxable Income-

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💡 UK Salary Tips 2026/27

Personal Allowance — £12,570

Everyone gets a tax-free personal allowance of £12,570 in 2026/27. This means you pay no income tax on the first £12,570 of earnings. The allowance is reduced by £1 for every £2 earned above £100,000.

Salary Sacrifice for Pension

Contributing to a pension via salary sacrifice reduces both your income tax AND National Insurance contributions. A basic rate taxpayer saves £32 for every £100 in pension via salary sacrifice — better than a standard pension contribution.

Marriage Allowance

If your spouse or civil partner earns less than £12,570 and you are a basic rate taxpayer, you can transfer £1,260 of their personal allowance to you, saving up to £252 in tax per year.

UK Salary FAQs 2026/27

What are the UK income tax rates for 2026/27?

UK income tax rates for 2026/27: Personal Allowance £12,570 (0%), Basic Rate 20% on £12,571–£50,270, Higher Rate 40% on £50,271–£125,140, Additional Rate 45% above £125,140. Scottish taxpayers have different rates.

How much National Insurance do I pay in 2026?

Employees pay Class 1 NI at 8% on earnings between £12,570 and £50,270, and 2% on earnings above £50,270. The lower earnings limit means no NI on the first £12,570.

What is the take-home pay on £40,000 in the UK?

On a £40,000 gross salary in 2026/27, your approximate take-home pay is around £30,500-£31,500 per year (about £2,540-£2,620 per month) after income tax and NI. Use the calculator for your exact figure.

What is the UK student loan repayment threshold in 2026?

Plan 1: repay 9% above £24,990. Plan 2: repay 9% above £27,295. Plan 4 (Scotland): repay 9% above £31,395. Plan 5: repay 9% above £25,000. All plans have no upper repayment threshold.